Cheapest Car Insurance Quotes in Holyoke

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Holyoke Car Insurance

^$ 21

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Holyoke

The car insurance rate in Holyoke is $1915 for a six-month policy, which is $383 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $558, making it a popular choice for budget-conscious drivers. Rates in Holyoke can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Holyoke

$1915

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in Holyoke

1st place: Safety Group

At $558 for a six month policy, Safety Group offers the cheapest auto insurance rates in the city.

2nd place: Vermont Mutual

Vermont Mutual offers auto insurance rates at $654 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $831 for six months, making it the third cheapest auto insurance company in Holyoke.

Holyoke Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Holyoke, MA is Safety Group, offering policies at just $558 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $654.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $6208 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Holyoke drivers find the best deals.

Cheap Car Insurance Companies in Holyoke, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$558	$93
Vermont Mutual	$654	$111
Safety	$831	$139
American Family	$935	$158
Hanover	$1033	$174
Arbella	$1048	$178
State Farm	$1136	$191
Norfolk & Dedham	$1248	$213
Farmers	$1314	$219
Norfolk & Dedham Mutl Fire Ins	$1321	$225
Travelers	$1478	$246
Plymouth Rock	$1715	$289
Progressive	$2495	$420
USAA	$3334	$561
Allstate	$5354	$901
Amica Mutual	$6208	$1055

Key Takeaways

Way's key takeaways about car insurance in Holyoke

The auto insurance costs in Holyoke fall around $558 for six months.
The cheapest auto insurance company in Holyoke is State Farm.
Teen drivers pay the highest rate in Holyoke at $964 per month.

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Cheapest Minimum Liability Car Insurance in Holyoke

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Holyoke are given below.

State Farm provides the cheapest minimum car insurance coverage in Holyoke. Their Average 6 Month Premium is $126. Allstate is the most expensive at $571 for the same period.

Cheapest Liability Coverage in Holyoke, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$126	$21
Safety Group	$179	$30
Vermont Mutual	$186	$31
American Family	$223	$38
Hanover	$253	$43
Plymouth Rock	$275	$46
Amica Mutual	$298	$50
Chubb	$298	$50
USAA	$319	$54
Norfolk & Dedham Mutl Fire Ins	$326	$55
Farmers	$341	$58
Safety	$356	$60
Norfolk & Dedham	$364	$61
The Hanover	$364	$61
Amica	$371	$63
Arbella	$386	$66
Travelers	$409	$69
Progressive	$550	$93
Allstate	$571	$95

Cheapest Full Coverage Car Insurance in Holyoke

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Holyoke is Safety Group at $93 per month and $558 for six months.

Cheapest Full Coverage Car Insurance Quotes in Holyoke, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$558	$93
Vermont Mutual	$654	$111
Safety	$831	$139
American Family	$935	$158
Hanover	$1033	$174
Arbella	$1048	$178
State Farm	$1136	$191
Norfolk & Dedham	$1248	$213
Farmers	$1314	$219
Norfolk & Dedham Mutl Fire Ins	$1321	$225
Travelers	$1478	$246
Plymouth Rock	$1715	$289
Progressive	$2495	$420
USAA	$3334	$561
Allstate	$5354	$901
Amica Mutual	$6208	$1055

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Average Car Insurance in Holyoke by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Holyoke, MA increasing?

Despite maintaining a clean driving record, your car insurance rates in Holyoke, Massachusetts, may be increasing due to several external factors. Massachusetts has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Holyoke's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Holyoke

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	State Farm	$449
30s	State Farm	$363
40s	State Farm	$363
50s	State Farm	$363
60s	State Farm	$320
70s	State Farm	$276

Cheapest Car Insurance Rates for Teen Drivers in Holyoke,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Holyoke at $33 per month. At $5665 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$193	$33
Vermont Mutual	$208	$35
Hanover	$238	$40
American Family	$260	$44
Safety	$334	$56
Farmers	$386	$66
State Farm	$558	$94
Plymouth Rock	$891	$150
USAA	$1366	$230
Amica Mutual	$3030	$515
Progressive	$3816	$636
Allstate	$5665	$964

Teen Car Insurance Rates in MA by Age

Way Tip

If you are in your twenties State Farm is the best choice for car insurance in Holyoke.

As young drivers face the highest rates in Holyoke, State Farm offers the cheapest auto insurance rates at $449 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

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Save up to $971/yr on car insurance rates in Holyoke.

Car Insurance Rates with An Accident in Holyoke

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Holyoke, MA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Holyoke

The cheapest car insurance companies after an at-fault accident in Holyoke include American Family and Safety Group, offering $305 and $341, respectively. Allstate is an expensive provider with an average six-month premium of $2554.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$305	$51
Safety Group	$341	$58
Vermont Mutual	$349	$59
State Farm	$371	$63
Norfolk & Dedham	$586	$98
The Hanover	$631	$108
Plymouth Rock	$683	$115
Arbella	$854	$144
Safety	$899	$151
USAA	$1040	$175
Travelers	$1381	$233
Hanover	$1404	$236
Progressive	$1581	$266
Amica Mutual	$1656	$281
Farmers	$2420	$404
Allstate	$2554	$434

Holyoke Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Holyoke MA. For example, the car insurance in Holyoke after a DUI increases to $928 for a six month policy. While the rate increases by $245 for a six-month policy in the case of a speeding ticket.

Holyoke auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$988	$165
One Med/PIP claim	$988	$168
Not-at-fault accident	$1018	$170
One comp claim	$1018	$173
Two Med/PIP claims	$1018	$170
Two comp claims	$1054	$179
At-fault accident - less than $1000	$1091	$183
Child safety restraint	$1129	$193
Driving without lights	$1129	$188
Failure to wear a seat belt	$1144	$195
Cell phone violation	$1225	$204
Texting while driving	$1225	$209
Driving too slowly	$1233	$205
Failure to stop at a red light	$1233	$210
Failure to yield	$1233	$205
Following too closely	$1233	$210
Illegal turn	$1233	$205
Improper passing	$1233	$210
Speeding 11 - 15 MPH over limit	$1233	$205
Speeding 16 - 20 MPH over limit	$1233	$210
Speeding 6 - 10 MPH over limit	$1233	$205
Speeding in school zone	$1233	$210
Wrong way/wrong lane	$1233	$205
In 65 MPH zone	$1240	$211
Speeding 21 - 25 MPH over limit	$1240	$206
Operating a vehicle without permission	$1248	$213
Passing school bus	$1300	$216
At-fault accident - $1000-$2000	$1530	$260
Failure to show documents	$1559	$260
At-fault accident - greater than $2000	$1566	$266
Driving with expired registration	$1574	$263
Open container	$1664	$283
Reckless driving	$1796	$300
Refusal to submit to a chemical test	$1834	$311
Driving with a suspended license	$1909	$318
Racing	$1909	$325
DUI	$1916	$319
Leaving scene of an accident/hit and run	$1938	$330

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Holyoke after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Holyoke.

The cheapest car insurance premiums in Holyoke are offered by American Family at $371 for a six-month policy. However, it can be as expensive as $3170 with companies like Allstate.

Holyoke car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$371	$63
Safety Group	$409	$70
Vermont Mutual	$424	$70
State Farm	$453	$76
Plymouth Rock	$824	$139
Progressive	$906	$153
Hanover	$1151	$194
Arbella	$1248	$210
USAA	$1768	$298
Safety	$1849	$314
Amica Mutual	$2161	$360
Travelers	$2265	$385
Farmers	$2806	$468
Allstate	$3170	$539

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Holyoke are offered by State Farm at $164. However, it can be as expensive as $1953 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Holyoke after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$164	$28
Safety Group	$215	$36
Vermont Mutual	$245	$41
American Family	$305	$51
Plymouth Rock	$735	$124
Safety	$1040	$176
Arbella	$1048	$175
USAA	$1076	$183
Hanover	$1285	$216
Progressive	$1374	$234
Farmers	$1656	$276
Travelers	$1953	$333

Car Insurance Price Trends in Holyoke, Massachusetts

Car insurance rates in Holyoke have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Holyoke dipped by $273 in December compared to $278 of November. In other words, there has been an decrease by $5 when you compare December and November.

The average cost of liability insurance in the Holyoke rose to $54 in December, compared to $53 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Holyoke?

The car insurance in Holyoke is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Holyoke?

The cheapest car insurance in Holyoke is $93 per month for full coverage.

How much is car insurance in Holyoke for teenagers?

Car insurance for teenagers costs $193 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Holyoke?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $323 per month to insure your car in Holyoke.

Is car insurance expensive in Holyoke?

Car insurance can be expensive in Holyoke if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Holyoke can be affordable.

Cheapest Car Insurance Quotes in Holyoke

Why you can trust Way?

How Much Is Car Insurance in Holyoke

Avg. Car Insurance in Holyoke

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Holyoke

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

Holyoke Car Insurance Rates by Company

Cheap Car Insurance Companies in Holyoke, MA

Way's key takeaways about car insurance in Holyoke

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Holyoke

Cheapest Liability Coverage in Holyoke, MA

Cheapest Full Coverage Car Insurance in Holyoke

Cheapest Full Coverage Car Insurance Quotes in Holyoke, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Holyoke by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Holyoke, MA increasing?

Car Insurance Premiums by Age in Holyoke

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Holyoke,MA

If you are in your twenties State Farm is the best choice for car insurance in Holyoke.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Holyoke

Cheapest Car Insurance Companies after an At-Fault Accident in Holyoke

Holyoke Car Insurance Rates by Violation

Holyoke auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Holyoke after a DUI

Holyoke car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Holyoke after Speeding ticket

Car Insurance Price Trends in Holyoke, Massachusetts

Average Car Insurance Cost in Holyoke by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Holyoke, MA

Car Insurance Rates by State in the USA (2025 Update)

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